CARCHEX

The protection specialist was a good guy. I asked a lot of questions like what doesn't the warranty cover. He explained to me everything that wasn't covered, so that way, I could make sure I got the right plan that was appropriate for what I was trying to do. He answered any questions, gave me his number, and sent out information the same day. He was very helpful. The thing that dragged customer service down for me, and it was partially my fault, was I called later in the day. A lot of times, I don't get off work before 5:00 or 6:00 so I called around the time it was five and a half hours before they closed and they bounced me around so much. They hung up on me twice. I’m attributing that to people who were leaving early, and they had a lack of representatives to handle calls, ‘cause the next day when I called back, there wasn't any of that stuff going on.

Having this warranty is very valuable to me. I have a couple of friends that had this car and they’ve told me that when getting a small repair, it gets very costly. A repair could be $1,200 to $1,500 for just a basic one. So, to pay for $2,500 for a warranty that’ll last five years is pretty good. Just knowing that when I’m riding down the road, if anything happens, I can choose the warranty shop of my choice and I don't have to wait till something breaks completely down. If I notice any noise or anything that’s abnormal, I can take it in and CARCHEX will cover it. They're a great company and they’re customer service-oriented. I had a bad experience, but it was quickly rectified. As long as their customer service is good, they'll be around for a little while.

Other than that, the first payment came out but I haven't gotten a contract. So, that's got me a little concerned. But if they're gonna play games, then I'll just cancel and go with somebody else. I also had to ask their rep at the end of my conversation with him if it was okay to cancel this contract at any time and he said I could cancel at any time. But it the salesperson didn't offer that up. I asked him straight out. All in all, it was an okay experience, though I wouldn't say it was great because they sold me the top thing without being upfront about my other options. The Titanium package was over 3,000 and that's pretty high. But the coverage is there, it is excellent, and I feel comfortable about it. The term is great as well. At the same time, I know that I overpaid for warranty and that I didn't receive all the information from CARCHEX. And I probably should have asked for that, so it was on me as a consumer.

Purchasing the policy was pretty easy. The rep was suggesting I buy the Silver Plan, instead of the Platinum or Gold plan. It was $1,000 more. I read through all the coverages and I went over it with them. I had a bunch of questions about and I verified something about the fuel pump. I asked them if it covers the two fuel pumps on the truck, and they said yes. I asked if I could get that in writing and the rep said that our conversation was recorded and that it was verified. I don’t know how long they keep those voice recordings. But it seemed like they were doing their best to try to get me a good plan.

When I read through all the benefits of the higher plan, it was kinda interesting. With the lower-priced plan, it included the injectors in the fuel system, which was part of that repair that I had to have done, whereas the higher dollar plan included pretty much everything else except the fuel injectors themselves. All modern transmissions are controlled electronically. And the higher-priced plan covered all the electronics like the navigation system, the Bluetooth stuff, and the electric switches. It covered more on the transmission. They have a $15,000 payout on it because it covered all the different suspension parts as well.

When I talked to the dealership, they said they'd be happy to get me an extended warranty and that it was gonna cost $4,000. I just about choked. Then over the summer, from between May when I first contacted them saying I wanted the extended warranty and they've given me a quote in April, they switched whoever it was who handled their long term warranties and it doubled the cost of their warranties. That doesn't help the consumer and now, I had to handle it. So, I called Kia and they told me to look up extended warranty car coverages online through Prudential and other things. Then I Googled best extended car warranties and CARCHEX was listed on two websites that seemed reasonable. I went to BBB and I checked out some of the complaints about them. I hesitated a little longer because of what I read, but I decided that I was gonna go for it anyway.

When I purchased the warranty, their customer service was good but I did not like their manager. Despite that, the guy I talked to seemed really nice. I got the feeling that he'd give me this price now but if I'd call back later, it'd be higher. But I already contacted them with the intention of purchasing it, so they didn't have to sell me on it. What they had to do was make it cost-effective with a reasonable payment plan for me to be able to afford it. Still, the rep seemed to bend over backwards to get me a deal that would work for me and I liked him.

I spoke with CARCHEX and asked them specifically about the things that were not covered in the other extended warranties, and they were covered by CARCHEX, so I went with them. Also, the sales representatives were nice, efficient, and patient with me. They called me back. They checked with me too. They were good follow-up people. They were very polite and they seemed like they knew what they were talking about. I told them my experience from CarShield and they assured me that that would not be the case with this company. The representative went above and beyond. He gave me his name and personal extension number. He said if I have any problem, I could call him directly so I don’t have to call the company. I actually have a person that I can call and talk to. So, I really appreciated that.

However, I would like to receive a policy so that I could look over it for my scrutiny. I have paid the first payment, and I have it set up to come out every month, but I don’t have a policy. I understand that there are some exclusions, but I would like to know exactly what they are. But this company has less exclusions than most. At this particular point, I’m very satisfied and I would definitely recommend them.